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  本文關(guān)鍵詞：仁壽縣農(nóng)村信用社農(nóng)戶小額信貸問題及對策研究　出處：《四川農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村信用社 農(nóng)戶小額信貸 問題 原因 對策

【摘要】：近幾年來,農(nóng)村信用社農(nóng)戶小額信貸業(yè)務(wù)成功運(yùn)行不僅使其成為農(nóng)村信用社發(fā)展的現(xiàn)實(shí)選擇,而且成為廣大農(nóng)戶脫貧致富的法寶。但是,仍存在不斷擴(kuò)大的信貸資金需求與有限的信貸資金供給之間的矛盾、單一的金融服務(wù)和金融產(chǎn)品與多元化、多層次貸款需求之間的矛盾以及農(nóng)戶小額信貸的扶貧性質(zhì)與農(nóng)村信用社商業(yè)化運(yùn)作之間的矛盾這三大主要矛盾,阻礙著農(nóng)村信用社農(nóng)戶小額信貸業(yè)務(wù)的發(fā)展壯大。 本文以仁壽縣農(nóng)村信用社農(nóng)戶小額信貸款為研究對象,采用文獻(xiàn)資料分析比較分析等方法,對仁壽縣農(nóng)村信用社農(nóng)戶小額信貸款問題進(jìn)行了深入的探討。全文共分五個(gè)部分：第一部分：緒論；第二部分：理論基礎(chǔ)；第三部分：仁壽縣農(nóng)村信用社農(nóng)戶小額信貸款發(fā)展現(xiàn)狀分析；第四部分：仁壽縣農(nóng)村信用社農(nóng)戶小額信貸發(fā)展存在的問題及原因分析；第五部分：仁壽縣農(nóng)村信用社農(nóng)戶小額信貸選擇及對策建議。本文以仁壽縣農(nóng)村信用社為例,對農(nóng)村信用社發(fā)展農(nóng)戶小額貸款具有啟示和幫助意義。本文以仁壽縣農(nóng)村信用社農(nóng)戶小額信貸業(yè)務(wù)開展,從基層出發(fā),在采集數(shù)據(jù),實(shí)地采訪,制定對象跟蹤調(diào)查,整理資料發(fā)現(xiàn)由于受到內(nèi)外諸多因素的影響和制約,農(nóng)村信用社在推廣農(nóng)戶小額信貸、創(chuàng)造信用鄉(xiāng)鎮(zhèn)工作開展很不平衡,由于地區(qū)差異巨大,一些深層次的矛盾和問題也逐漸暴露出來。通過對農(nóng)村信用社農(nóng)戶小額信貸業(yè)務(wù),在地區(qū)中取得成效的經(jīng)驗(yàn)分析認(rèn)為,解決這些矛盾的出路在于探索科學(xué)的運(yùn)行機(jī)制,根據(jù)地區(qū)發(fā)展的差異性構(gòu)建完善的制度保障體系和提供有效的政策支持,才是解決問題的正確途
[Abstract]:In recent years, the successful operation of the micro-credit business of rural credit cooperatives not only makes it a realistic choice for the development of rural credit cooperatives, but also becomes a magic weapon for farmers to get rid of poverty and become rich. There is still a contradiction between the expanding demand for credit funds and the limited supply of credit funds, a single financial service and financial products and diversification. The contradiction between the multi-level loan demand and the contradiction between the poverty alleviation nature of peasant households and the commercial operation of rural credit cooperatives are the three main contradictions. It hinders the development of rural credit cooperatives. In this paper, the rural credit cooperatives in Renshou County farmers small credit loans as the research object, using literature analysis and comparative analysis methods. This paper makes a deep discussion on the problem of small credit loan of rural credit cooperatives in Renshou County. The whole paper is divided into five parts: the first part: introduction; The second part: theoretical basis; The third part: the rural credit cooperatives in Renshou county farmers small credit loan development status analysis; Part 4th: the problems and causes of the development of micro-credit of rural credit cooperatives in Renshou County; Part 5th: the rural credit cooperatives in Renshou county, rural credit cooperatives, the choice of micro-credit and countermeasures. This paper takes Rensou County rural credit cooperatives as an example. Rural credit cooperatives to develop rural small loans have enlightenment and help significance. This article to Rensou County rural credit cooperatives farmers micro-credit business, starting from the grass-roots, in the collection of data, field interviews. The establishment of object tracking survey, collation of data found that due to the impact and constraints of many internal and external factors, rural credit cooperatives in the promotion of micro-credit farmers, the creation of credit township work is very uneven. Because of the huge regional differences, some deep-seated contradictions and problems are gradually exposed. The way out for solving these contradictions lies in exploring scientific operating mechanism, constructing perfect system guarantee system and providing effective policy support according to the difference of regional development, which is the correct way to solve the problem.
【學(xué)位授予單位】：四川農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43;F832.35

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